Broker Check


Many investors are initially uneasy about working with a financial advisor, mainly due to lack of information about them. The more you know about professionals in this field, the more you will see that financial advisors are an excellent resource for professional help and advice in a wide variety of situations. Here are a few answers to frequently answered questions about financial advisors.

What is a financial advisor?

  • A financial advisor is a licensed professional who helps both individuals and businesses who are seeking advice or solutions in making financial decisions throughout their lifetime.  Some of the wide variety of decisions involve saving for major purchases, investments, insurance planning, college planning, retirement planning, and legacy planning. 

What does a financial advisor do?

  • A financial advisor is a trained specialist who helps clients discover their wants and needs and explores the best possible solutions in helping them address their financial matters. From retirement planning to brokerage advice to tax planning, financial advisors can help clients in every phase of their financial lives.

Why should I spend money on a financial advisor?

  • Most commonly, financial advisors have successfully met licensing and training requirements to offer specific advise and products.  At times, financial advisors have access to exclusive products and services.

Can I get help with my credit card debts from a financial advisor?

  • Absolutely. Clients can work with a licensed financial advisor to pay off their debts and get back on track financially. Financial advisors have access to programs most individuals can't get into on their own, and they have connections in the financial industry most of us simply don't have.

How can I choose the right financial advisor?

  • This is an important choice that should not be taken lightly. Make sure you choose someone you trust and that you wouldn't mind working with over an extended time period. Make sure their area of specialization matches your interests and needs. The world of finance is so broad that many advisors develop specialties as they progress through their careers.

I am already in debt. How can I afford a financial advisor?

  • The help of a financial advisor may be less expensive than you might think. Depending on the help you are looking for, you could be looking at a fee only situation or commission based pricing.

What's the difference between fee only and commission based advisors?

  • Fee only financial advisors work for an agreed upon fee that's set prior to the commencement of their work. It could be a flat rate, an hourly rate or a percentage of assets under management (AUM) in some cases. The monies charged are paid directly from the client to the advisor.
  • Commission based advisors, on the other hand, are compensated by representing certain financial products. Their motivation is to sell the products they represent. They get paid by the companies offering the products rather than by the client.

Why is a financial advisor important to my overall financial plan?

  • Most investors are not aware of many opportunities that are out there. A financial advisor's job as it pertains to investment is to undertake a thorough assessment of the whole financial picture presented by the client, so that the advisor can come up with an ambitious but reachable goal for that client. A financial advisor is an unbiased and objective observer of the client's patterns of income and expenditures as well, which can be helpful.

How much money do I need to have available in order to invest with a financial advisor?

  • It depends on the individual advisor. For some, they are happy with any client and will gladly work with you even on small investments. Others focus solely on clients with larger amounts of money to invest, and set minimum standards as such.

Does a financial advisor have to accept me as a client?

  • In a sense, yes. You will need to provide at least some general information about yourself like your income, net worth, family status and your general financial goals. An advisor could choose not to represent you. It should be a good fit both ways if you are to truly benefit as a client.


How can you connect with us?

Our planning process is designed to give you unbiased, objective advice on what solutions and strategies best fit your unique situation. We hope you use this as an opportunity to schedule the first step - a Value Assessment meeting with one of our expert planners.  You bring nothing with you - the first meeting is a simple conversation over coffee.

During a Value Assessment Meeting we will talk about your goals, objectives and your hopes for the future - the starting point for any successful financial strategy. We will discuss the concerns and obstacles facing you, and understand the opportunities that offer you the best chance of financial success. 

There are two ways to schedule an appointment:

 Contact us at 312-505-5846 or Schedule Time Here

 Email us at [email protected]

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